Warning lights
Signals from the annual accounts, the CBE and the Official Gazette, each with its threshold and source. No score, no verdict.
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Negative equity NBB
More debt than assets in 4 of the last 4 fiscal years.
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Tight liquidity NBB
Cash and receivables cover 51 % of short-term debt in 2025; threshold 65 %.
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Shrinking team NBB
FTE fell two years in a row, from 8.5 to 4.4.
Financials
Financial year 2025
KELDERMANS WONEN HERK-DE-STAD from Herk-de-Stad, company number BE0400954250, closed financial year 2025 with a result of € 54,564 after tax. For that financial year KELDERMANS WONEN HERK-DE-STAD recorded a gross margin of € 515,985 and equity of € -342,614. Compared with financial year 2024, the result moved from € 35,517 to € 54,564. Profitable, and profit is growing. More debts than assets. High debts against a small own buffer. The most recent annual accounts were filed with the National Bank of Belgium on June 8, 2026.
€ -342,614
▲ € 54,564 vs 2024
Assets minus debts, by the books. What is left if everything were sold and paid today.
€ 54,564
▲ 54% vs 2024
Profit after tax over the fiscal year.
€ 63,916
▲ € 56,306 vs 2024
Cash and bank balances on the last day of the fiscal year.
Stays in the company
No dividend for 2025. Retained profit grew to € -1 million.
People and assets in 2025
4.4
▼ 1.4 vs 2024
Average over the fiscal year, from the social balance sheet.
€ 289,032
▼ 13% vs 2024
€ 65,700 per full-time equivalent. Payroll staff only. What the director pays themselves is already netted into the gross margin and is not shown separately in the accounts.
€ 25,522
▼ 27% vs 2024
Of which on lease € 24,732.
Debts at end 2025
€ 898,974
▼ 41% vs 2024
€ 162,642 is repaid this year. At this pace the long-term loan is gone in ≈ 5 years.
€ 1.4 million
▼ 8% vs 2024
Supplier invoices still open on the last day of the fiscal year.
€ 197,959
▲ 34% vs 2024
Taxes, VAT and social contributions still to pay.
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| 2022 | 2023 | 2024 | 2025 | Change 2024 → 2025 | |
|---|---|---|---|---|---|
| Gross margin | € 609,571 | € 478,686 | € 524,566 | € 515,985 | ▼ 2% |
| Profit after taxes | € -353,078 | € -167,789 | € 35,517 | € 54,564 | ▲ 54% |
| Equity | € -264,906 | € -432,696 | € -397,178 | € -342,614 | ▲ € 54,564 |
| Total debts | € 4,563,675 | € 4,418,131 | € 4,297,449 | € 4,265,314 | ▼ 1% |
| Cash | € 32,709 | € 13,921 | € 7,610 | € 63,916 | ▲ € 56,306 |
| Land & buildings | € 13,707 | € 12,304 | € 10,901 | € 9,498 | ▼ 13% |
| Retained profit | € -960,637 | € -1,128,427 | € -1,092,910 | € -1,038,345 | ▲ € 54,564 |
| Bank debt | € 1,941,097 | € 1,722,787 | € 1,516,266 | € 898,974 | ▼ 41% |
| Balance sheet total | € 4,298,769 | € 3,985,435 | € 3,900,270 | € 3,922,700 | ▲ 1% |
| Employees (FTE) | 10.8 | 8.5 | 5.8 | 4.4 | ▼ 1.4 |
Key figures of KELDERMANS WONEN HERK-DE-STAD, fiscal years 2022 to 2025, from the annual accounts filed with the National Bank of Belgium.Next annual account (fiscal year 2026) expected before 31 July 2027.
What happened to KELDERMANS WONEN HERK-DE-STAD?
What happened at KELDERMANS WONEN HERK-DE-STAD in recent years, according to the Belgian Official Gazette, the CBE and the National Bank:
- New annual accounts for financial year 2025: profit of € 54,564 (▲ 54% vs 2024). Source: NBB ↗
- Sphink BV became a director. NBB
- New establishment in Herk-de-Stad. KBO
- Start of the company according to the CBE. KBO
In short
From € 353,078 loss in 2022 to € 54,564 profit in 2025.
Paid € 1,677 in corporate taxes since 2022.
Best year ever: 2025, with € 54,564 profit.
On average € 117,300 of value added per employee in 2025.
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De Lijn 8 June 2026 New annual account 2025
filed on 8 June 2026
What was left
€ 20 k ▼ 91%
Money in the bank
€ 178 k ▼ 98%
Open the dossier →
NMBS 8 June 2026 New annual account 2025 What was left ▼ 80%
bpost 18 May 2026 New annual account 2025 What was left from loss to profit
Management
The stake of Kelba, SPHINK, LAUMA comes from that shareholder’s own annual accounts; small companies do not report their shareholders themselves.
KELDERMANS WONEN HERK-DE-STADBehind KELDERMANS WONEN HERK-DE-STAD is Sphink BV. The shares are held by Kelba (46.8%), SPHINK (39.9%) and LAUMA (13.3%). It owns 90.7% of Keldermans Wonen Lubbeek itself.
Directors
According to the 2025 annual accounts
since 2017
Participations
90.7%
Establishments
Establishment units
Physical locations of this company
Grote Baan 86
3540 Herk-de-Stad
Who else lives here?
A building full of entrepreneurs or one very busy letterbox? Another 4 companies are registered at this address.
All companies at this address →What is an establishment unit? An establishment unit is a geographically identifiable place where activities of the enterprise are carried out.
Details
- Company number
- 0400.954.250
- VAT number
- BE 0400.954.250
- Registered office
- Grote Baan 86, 3540 Herk-de-Stad
- Names & denominations
- KELDERMANS WONEN HERK-DE-STAD
- Enterprise type
- Rechtspersoon
- Legal form
- Private limited company
- Legal situation
- Normale toestand
- Start date
- 13 January 1959
- Peppol
- Active · Active since 18 Dec 2025
- Activities · NACE
Detailhandel in huismeubilair
Detailhandel in meubels
Detailhandel in huismeubilair in gespecialiseerde winkels
Detailhandel in bloemen, planten, zaden en kunstmeststoffen